:root {
  --financial-black: #000000;
  --financial-ochre: #c5a566;
  --financial-cream: #f5f1e9;
  --financial-green: #009e60;
  --financial-red: #ef4444;
}

.tool-page__brand img,
.tool-page__footer-brand img {
  width: 68px !important;
  height: 74px !important;
  aspect-ratio: 68 / 74 !important;
  object-fit: contain !important;
}

.financial-tool {
  margin-top: 2rem;
  background: var(--financial-cream);
  color: var(--financial-black);
  overflow: hidden;
}

.financial-tool * { box-sizing: border-box; }

.financial-tool__progress {
  position: sticky;
  top: 0;
  z-index: 5;
  padding: .85rem clamp(1rem, 3vw, 2rem);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: .45rem 1.5rem;
  align-items: center;
  border-bottom: 1px solid rgba(0, 0, 0, .08);
  background: rgba(245, 241, 233, .84);
  backdrop-filter: blur(16px);
}

.financial-tool__progress span,
.financial-tool__progress b,
.financial-tool__eyebrow,
.financial-tool__block span,
.financial-tool__result-hero span,
.financial-gauge__label {
  font-family: Inter, "Segoe UI", sans-serif;
  font-size: 10px;
  font-weight: 900;
  letter-spacing: .18em;
  text-transform: uppercase;
}

.financial-tool__progress span { color: rgba(0, 0, 0, .45); }
.financial-tool__progress b { color: var(--financial-green); }
.financial-tool__progress i {
  grid-column: 1 / -1;
  height: 6px;
  display: block;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(0, 0, 0, .1);
}
.financial-tool__progress em {
  height: 100%;
  display: block;
  border-radius: inherit;
  background: var(--financial-green);
  box-shadow: 0 0 10px rgba(0, 158, 96, .2);
  transition: width .7s ease;
}

.financial-tool__welcome,
.financial-tool__quiz,
.financial-tool__results { padding: clamp(2rem, 5vw, 4rem); }

.financial-tool__welcome {
  min-height: 60vh;
  display: grid;
  grid-template-columns: 1fr;
  justify-items: center;
  text-align: center;
  gap: 2rem;
  position: relative;
}
.financial-tool__welcome::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: .05;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(0, 0, 0, .9) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0, 0, 0, .9) 1px, transparent 1px);
  background-size: 40px 40px;
}
.financial-tool__welcome > * { position: relative; z-index: 1; }

.financial-tool__eyebrow,
.financial-tool__block span,
.financial-tool__result-hero span,
.financial-tool h3 span,
.financial-question h4 span,
.financial-question__insight div + div b { color: var(--financial-ochre) !important; }

.financial-tool h3 {
  margin: .8rem 0 1rem;
  color: var(--financial-black) !important;
  font-family: Inter, "Segoe UI", sans-serif !important;
  font-size: clamp(2.5rem, 6vw, 4.5rem) !important;
  font-weight: 900 !important;
  line-height: 1.02 !important;
  text-transform: uppercase;
}
.financial-tool p {
  color: var(--financial-black) !important;
  font-size: clamp(1.05rem, 2vw, 1.4rem);
  line-height: 1.6;
}

.financial-tool button,
.financial-tool a {
  border: 2px solid rgba(0, 0, 0, .16);
  background: transparent;
  color: var(--financial-black) !important;
  font-family: Inter, "Segoe UI", sans-serif;
  font-size: .92rem;
  font-weight: 800;
  cursor: pointer;
  transition: transform .22s ease, background-color .22s ease, color .22s ease, border-color .22s ease, box-shadow .22s ease;
}
.financial-tool button:hover,
.financial-tool a:hover,
.financial-question__options button.is-selected {
  border-color: var(--financial-ochre) !important;
  background: var(--financial-ochre) !important;
  color: var(--financial-black) !important;
  box-shadow: 0 16px 30px rgba(197, 165, 102, .24);
  transform: translateY(-1px) scale(1.01);
}
.financial-tool button:disabled {
  cursor: not-allowed;
  opacity: .45;
  transform: none;
  box-shadow: none;
}
.financial-tool__booking,
.financial-tool__welcome button {
  background: var(--financial-ochre) !important;
  border-color: var(--financial-ochre) !important;
  color: var(--financial-black) !important;
  box-shadow: 0 16px 30px rgba(197, 165, 102, .24);
}
.financial-tool__booking {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: .9rem 1.5rem;
  border-radius: 999px;
  text-decoration: none;
}
.financial-tool__welcome button,
.financial-tool__nav button,
.financial-tool__nav a {
  min-height: 3.5rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 1rem 2rem;
  border-radius: 999px;
  text-decoration: none;
}
.financial-tool__welcome button {
  margin-top: 1rem;
  min-height: 4.25rem;
  padding: 1.15rem 3rem;
  font-size: 1.2rem;
}

.financial-piggy { width: min(100%, 42rem); margin: 0 auto; }
.financial-piggy svg {
  width: 100%;
  display: block;
  overflow: visible;
  filter: drop-shadow(0 20px 35px rgba(0, 0, 0, .15));
}
.financial-tool svg [stroke="#0F2A3B"] { stroke: var(--financial-black) !important; }
.financial-tool svg [fill="#0F2A3B"] { fill: var(--financial-black) !important; }
.financial-tool svg [stroke="#F3A11A"],
.financial-tool svg [fill="#F3A11A"],
.financial-tool svg [fill="#FDB931"],
.financial-tool svg [stop-color="#FDB931"] { stroke: var(--financial-ochre) !important; fill: var(--financial-ochre) !important; stop-color: var(--financial-ochre) !important; }

.piggy-coin { animation: piggyCoinFloat 3s ease-in-out infinite; }
.piggy-tail { animation: piggyTail .45s ease-in-out infinite; transform-origin: 215px 110px; }
.piggy-sweat { animation: piggySweat 2.2s linear infinite; }
.thermo-flow { animation: thermometerFlow 7.5s ease-in-out infinite; }
.face { opacity: 0; transition: opacity .3s ease; }
.face.is-visible { opacity: 1; }
.financial-piggy .face-happy:not(.is-visible) { animation: faceHappy 7.5s ease-in-out infinite; }
.financial-piggy .face-neutral:not(.is-visible) { animation: faceNeutral 7.5s ease-in-out infinite; }
.financial-piggy .face-sad:not(.is-visible) { animation: faceSad 7.5s ease-in-out infinite; }
.financial-piggy:has(.face.is-visible) .face:not(.is-visible) { animation: none; opacity: 0 !important; }

@keyframes piggyCoinFloat { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
@keyframes piggyTail { 0%,100% { transform: rotate(0); } 50% { transform: rotate(20deg); } }
@keyframes piggySweat { 0% { transform: translateY(0); opacity: 0; } 20%,80% { opacity: .8; } 100% { transform: translateY(60px); opacity: 0; } }
@keyframes thermometerFlow { 0%,100% { height: 15px; y: 160px; fill: var(--financial-green); } 45% { height: 80px; y: 95px; fill: var(--financial-ochre); } 65% { height: 140px; y: 35px; fill: var(--financial-red); } }
@keyframes faceHappy { 0%,35%,85%,100% { opacity: 1; } 36%,84% { opacity: 0; } }
@keyframes faceNeutral { 0%,35%,56%,74%,86%,100% { opacity: 0; } 36%,55%,75%,85% { opacity: 1; } }
@keyframes faceSad { 0%,55%,76%,100% { opacity: 0; } 56%,75% { opacity: 1; } }

.financial-tool__block {
  max-width: 64rem;
  margin: 0 auto 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(0, 0, 0, .1);
}
.financial-tool__block h3 { font-size: clamp(2rem, 4vw, 3.2rem) !important; text-transform: none; }
.financial-tool__questions { max-width: 64rem; margin: 0 auto; display: grid; gap: 3rem; }
.financial-question {
  padding: clamp(1.6rem, 4vw, 2.5rem);
  border: 1px solid rgba(0, 0, 0, .06);
  border-radius: 1.5rem;
  background: #fff;
  box-shadow: 0 10px 35px rgba(0, 0, 0, .04);
  transition: box-shadow .3s ease, border-color .3s ease;
}
.financial-question.is-answered {
  border-color: rgba(0, 158, 96, .2);
  box-shadow: 0 0 0 2px rgba(0, 158, 96, .1);
}
.financial-question h4 {
  margin: 0 0 1rem;
  color: var(--financial-black);
  font-family: Inter, "Segoe UI", sans-serif;
  font-size: clamp(1.25rem, 2vw, 1.55rem);
  font-weight: 900;
}
.financial-question h4 span { margin-right: .6rem; }
.financial-question__options { margin-top: 2rem; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.financial-question__options button { min-height: 3.75rem; padding: .9rem 1.1rem; border-radius: .9rem; }
.financial-question__insight { margin-top: 2rem; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
.financial-question__insight div { padding: 1.25rem; border-radius: 1rem; background: rgba(245, 241, 233, .55); }
.financial-question__insight b { display: block; margin-bottom: .45rem; color: var(--financial-green); font-size: .85rem; font-weight: 900; text-transform: uppercase; }
.financial-question__insight p { margin: 0; color: var(--financial-black) !important; font-size: .92rem; line-height: 1.55; }
.financial-tool__nav { max-width: 64rem; margin: 3rem auto 0; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; }
.financial-tool__nav button:last-child { background: var(--financial-black) !important; border-color: var(--financial-black) !important; color: #fff !important; }

.financial-tool__results > h3 { text-align: center; font-size: clamp(2rem, 5vw, 3.4rem) !important; }
.financial-tool__result-hero {
  display: grid;
  grid-template-columns: minmax(18rem, .85fr) minmax(0, 1fr);
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
  max-width: 72rem;
  margin: 0 auto 3rem;
  padding: clamp(2rem, 4vw, 3rem);
  border: 1px solid #fff;
  border-radius: 3rem;
  background: rgba(255, 255, 255, .42);
  box-shadow: inset 0 0 30px rgba(255, 255, 255, .2);
}
.financial-tool__result-hero strong { display: block; margin: .75rem 0; font-size: clamp(4.5rem, 10vw, 8rem); line-height: .9; font-weight: 900; }
.financial-tool__result-hero small { font-size: .45em; }
.financial-tool__state { font-weight: 900; text-transform: uppercase; letter-spacing: .1em; }
.financial-tool__result-hero strong[style*="#F3A11A"],
.financial-tool__state[style*="#F3A11A"] { color: var(--financial-ochre) !important; }

.financial-tool__gauges { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1.5rem; }
.financial-gauge { padding: 1.5rem; border: 2px solid var(--financial-ochre); border-radius: 1.5rem; background: transparent; text-align: center; }
.financial-gauge__label {
  min-height: 2.4rem;
  color: var(--financial-black);
  background: var(--financial-ochre);
  border-radius: 999px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: .6rem .9rem;
}
.financial-gauge__arc { width: 100%; aspect-ratio: 2 / 1; margin: 1rem 0; position: relative; overflow: hidden; }
.financial-gauge__arc:before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 999px 999px 0 0;
  background: conic-gradient(from 270deg at 50% 100%, var(--score-color) 0 var(--score), rgba(0, 0, 0, .1) var(--score) 180deg, transparent 180deg);
}
.financial-gauge__arc[style*="#F3A11A"] { --score-color: var(--financial-ochre) !important; }
.financial-gauge__arc:after { content: ""; position: absolute; left: 18%; right: 18%; bottom: 0; height: 64%; border-radius: 999px 999px 0 0; background: var(--financial-cream); }
.financial-gauge__arc strong { position: absolute; z-index: 1; left: 0; right: 0; bottom: 0; text-align: center; font-size: 2.4rem; line-height: 1; font-weight: 900; }
.financial-gauge strong[style*="#F3A11A"] { color: var(--financial-ochre) !important; }
.financial-gauge > span { display: inline-flex; padding: .4rem .8rem; border-radius: 999px; color: #fff; font-size: 10px; font-weight: 900; letter-spacing: .14em; text-transform: uppercase; }
.financial-gauge > span[style*="#F3A11A"] { background: var(--financial-ochre) !important; color: var(--financial-black) !important; }
.financial-gauge ul { margin: 1rem 0 0; padding-left: 1rem; text-align: left; }
.financial-gauge li { margin-bottom: .5rem; color: var(--financial-black); font-size: .8rem; line-height: 1.45; }

.financial-tool__summary {
  max-width: 72rem;
  margin: 3rem auto 0;
  padding: clamp(2rem, 4vw, 3rem);
  border-radius: 1.5rem;
  background: #fff;
  box-shadow: 0 16px 45px rgba(0, 0, 0, .06);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.financial-tool__summary:before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 8px; background: linear-gradient(90deg, var(--financial-black), var(--financial-green), var(--financial-ochre)); }
.financial-tool__summary h4 { margin: 0 0 1rem; color: var(--financial-black); font-size: clamp(1.6rem, 3vw, 2.3rem); }
.financial-tool__summary p { max-width: 52rem; margin: 0 auto 2rem; }
.financial-tool__contact { display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem; color: var(--financial-black); }
.financial-tool__contact strong { width: 100%; color: var(--financial-black); font-size: 1.1rem; }
.financial-tool__contact a { border: 0; padding: 0; text-decoration: none; color: var(--financial-black) !important; }
.financial-tool__contact a:hover { background: transparent !important; color: var(--financial-ochre) !important; box-shadow: none; transform: none; }

@media (max-width: 1000px) {
  .financial-tool__result-hero { grid-template-columns: 1fr; }
  .financial-tool__gauges { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 680px) {
  .financial-question__options,
  .financial-question__insight,
  .financial-tool__gauges { grid-template-columns: 1fr; }
  .financial-tool__nav { justify-content: center; }
  .financial-tool__nav > * { width: 100%; }
}